California Home Equity Line of Credit
Your home has been building equity for years. A HELOC lets you use it — for renovations, debt payoff, or investment — without touching your low first-mortgage rate.
Home renovations & ADU construction
Consolidate high-interest debt
Down payment on an investment property
Why a HELOC over cash-out refi? If you locked in a rate under 5%, a HELOC lets you borrow what you need as a second lien — keeping your low first-mortgage rate untouched.Read the full comparison →
No credit impact Free, no obligationNMLS #2787839
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See what rate you qualify for — no credit pull, no commitment.
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No credit impactFree, no obligation
CA DRE #01212512 · NMLS #2787839
HELOC Requirements
Home equity of 20% or more
Credit score 680+
Debt-to-income under 43%
Primary or secondary residence
Stable income history
Not sure if you qualify? Call 888-421-1117 — we'll review your situation in minutes.
Frequently Asked Questions
See what your equity can do
Get a HELOC quote in under 3 minutes — no credit pull, no commitment.